This February presents various attractive yield enhancement opportunities for 2025 across several financial institutions. Highlights include SG Bank’s potential yield of 3.63%, Axa’s enhancements up to 3% for key contracts, and special offers from online brokers like Digital Vie Prime. La Banque Postale and BNP Paribas also introduce bonuses for new payments, while Abeille Assurances offers competitive rates for its contracts. Investors should explore these options to maximize their returns on life insurance.
Exciting Yield Enhancement Opportunities for 2025
Explore the latest and most attractive yield enhancement offers available this February. To take full advantage of these offers, there’s a couple of requirements you need to satisfy: you must make a new payment and/or invest a minimum amount in units of account (UC).
Let’s take a look at the top yields available this January.
1 – SG Bank
SG Bank is offering an attractive yield of 2.75% for 2024, which can be boosted to as much as 3.63% based on the percentage of units of account (UC) held in its popular Séquoia contract. The bank continues to promote new payments, and for any new deposit made between January 1 and the end of April 2025, savers can enjoy a yield bonus on the euro fund ranging from +1% to +1.5%, depending on the share invested in UC.
Specifically, if the new payment includes 15% to 35% in UC, a bonus of 1% is awarded. This increases to 1.25% for 35% to 50% and 1.50% for over 50%. Additionally, this offer can be combined with the ongoing bonus, allowing for an enhanced yield of up to +0.25%.
2 – Axa
Axa is offering a base yield of 2% on its key contracts (including Arpèges, Excelium, and Privilège) from the previous year, with potential enhancements up to 3% based on UC holdings. The insurer is continuing to provide boosted rates for 2025. Any payment made from January 1, 2025 into the Euro+ and Eurocroissance+ funds can benefit from a yield increase ranging from +1% to +2%, depending on the UC share.
3 – Online Brokers
For holders of online life insurance contracts like Digital Vie Prime from Altaprofits and Linxea Avenir 2, there’s good news! Savers who made free management payments on the euro fund Opportunités 2 in 2024 will see a +2% increase in their 2025 yield. If you missed out in 2024, don’t worry! The same offer applies to payments made anytime from January 1 to December 31, 2025, with no conditions on investment in UC.
4 – La Banque Postale
The Cachemire 2 Series 2 contract from La Banque Postale offers a yield rate of 2.30% for 2024, which can be enhanced to 3.45% based on UC holdings. In 2025, the bank is introducing new bonuses for both ongoing and new payments. For any minimum payment of 2,500 euros made until February 28 on this contract, with at least 30% invested in UC, savers can receive a bonus of +0.95% to +1.50% on the 2025 yield. Additionally, placing at least 10% of the payment in La Banque Postale’s eurocroissance fund will add an extra +0.40% increase.
This offer can be combined with ongoing bonuses, allowing for a potential yield increase of up to +1.50% depending on the UC share held.
5 – BNP Paribas
BNP Paribas is offering a yield of 2.90% for 2024, which can be enhanced to 4.75% based on payments made. For 2025, the bank continues its enhancement strategy. Any payment made until March 31 2025, with at least 40% allocated to UC, qualifies for a +1.40% yield bonus for both 2025 and 2026. To benefit from this offer, a minimum payment of 10,000 euros is required.
Additionally, BNP Paribas is reducing fees on payments for 2025, setting them at just 0.50% compared to the usual maximum of 2.75%. This offer is valid through December 31.
6 – Abeille Assurances
Abeille Assurances is providing a payment bonus for its contracts, including Abeille Épargne Plurielle and Abeille Capitalisation Plurielle, with offerings of 2% or 2.40% in 2025 and 2026. The yield for 2025 (and following year) for guaranteed euro funds Abeille Actif and Abeille euro will be enhanced by 2% if the saver invests between 0% and 30% in UC, and by 2.40% if the UC investment exceeds 30%. This offer commenced on January 20 and is applicable to payments made until December 19. A minimum payment of 5,000 euros is necessary to qualify for this offer.
Be sure to compare the best options available in life insurance to maximize your returns!